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Life insurance claim stories

As part of our ongoing efforts to collate and share real-life claim stories from across the industry, this page brings together some of the life insurance claim case studies from insurers and advisers. Given the difficult nature of a life insurance claim, case studies can be hard to come by, so we would encourage as many insurers and advisers to share stories with us as and when they get them. 

Terminal Illness

Pete’s Story

In 2018, aged just 35 Pete was diagnosed with terminal lung cancer and claimed on the terminal illness benefit of his Legal & General life insurance policy (that he’d had in place for 4 years). As Pete says in the video:

“You think you’ll never need it until you get old. Nothing will ever happen to me…”

Further Reading

To find out more about life insurance, follow the links below to some of our most recent articles.

What are the differences between guaranteed, reviewable and age-banded premiums?

In reading this article you will understand: What types of premium insurers offer on protection policies The differences between those premium types How those premiums may be impacted by the clients occupation and smoker status There are many factors that determine a...

Can added value benefits keep the north pole running?

Over the last couple of years “added value benefits” have become a core component of most protection plans. It seems that every insurer now offers wider benefits that can help consumers stay healthy both in mind and body as well as benefits that can improve recovery...

How to obtain inexpensive children’s critical illness cover

According to many insurer claim statistics, children’s critical illness cover is one of the top claimed-for conditions, highlighting the importance of having protection in place. A child being diagnosed and living with a medical condition can have major financial...

What is a Second Medical Opinion Service and who offers them?

In reading this article you will understand: Which insurers include access to a second medical opinion service Aside from the life assured, which immediate family members can use the service The value of second medical opinion services through a case study For clients...

Individual protection underwriting limits – 4 things you should read

Understanding when and what medical evidence may be required when recommending a protection policy can be helpful in both setting client expectations and ensuring the application process runs smoothly. In todays '4 things you should read', we bring together our...

Everything you need to know about index-linked cover

With inflation still at high levels and living costs still affecting individuals and households, index-linked protection insurance is a recurring conversation we’re having with advisers. On the one hand there is an obvious case to be made for why index-linked cover is...

The above stories are prime examples of scenarios that happen within the protection industry on a daily basis. Providers want to pay claims, indeed no insurer will decline a valid claim and they want to support their customers. There is now an abundance of claims statistics made available by providers. These, combined with claims stories from real life claimants, can paint a powerful picture. If the industry as a whole is able to produce more stories like these we can go a long way to changing the views of consumers and give more confidence in the products that can literally be a lifeline in the direst of circumstances.

If insurers/advisers/service providers have any other added value benefit claim videos they would like us to share via this page please get in contact here.

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